Charge dispute form pnb 2025

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Claims and defenses are any valid reasons you have for not paying a certain credit card charge. They include billing errors, unauthorized charges, and claims that goods or services were misrepresented, defective, or not delivered. The credit card company can be held responsible under Federal law (15 USC 1666i).
Send a Dispute Letter to Your Card Company After you call the card company or dispute the charge online, follow up right away with a letter disputing the charge. The letter serves as a written notice to the card company about the problem.
What is a dispute? A dispute is a disagreement between the card/account holder and the merchant with respect to a transaction. Disputable charges include double billings and charges to your account that belong to another account. Non-disputable charges include sales tax and shipping.
Please call our PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818 or download the Dispute Form and e-mail it to pnbcreditcards@pnb.com.ph.
In case, the unauthorized / erroneous debit has resulted in a financial loss to the customer by way of reduction in the minimum balance applicable for payment of interest on Savings Fund deposit or payment of additional interest to the bank in a loan account, the bank will compensate the customer for such loss.
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If you need to dispute with your credit card company, you can: Call the customer service number on the back of your credit card or on your statement. Email customer service. Dispute through the financial institutions app. Dispute the transaction in writing (the address should be on your statement)

charge dispute form pnb